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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,821 | $77,472-16.3% | $100,392-35.4% | $80,935-19.9% |
| Participation rate | 66.7% | 76.9%-10.3pp | 81.5%-14.8pp | 67.7%-1.0pp |
| Annual return | 9.55% | 37.26%-27.7pp | 49.45%-39.9pp | 35.66%-26.1pp |
| Employer contribution / active EE | $455 | $2,800-83.8% | $3,941-88.5% | $2,757-83.5% |
| Participant deferral / active EE | $1,411 | $6,818-79.3% | $8,090-82.6% | $4,299-67.2% |
| Admin fee / account holder | $3,954 | $5,885-32.8% | $7,904-50.0% | $6,924-42.9% |